EMI vs SIP for ₹1,300,000
23 Years @ 9%
Original Plan
23 Years @ 9%
EMI: ₹ 11,170
Extended Plan
28 Years (Reduced EMI)
EMI: ₹ 10,612
Monthly Savings
₹ 559
SIP Investment
@ 12% for 28 years
₹ 1,540,919
Extra Interest Paid
₹ 482,543
Final Outcome
₹ 1,058,377
Profit from SIP strategy
Analysis
For ₹1,300,000 loan at 9%, investing savings can generate ₹1,540,919.
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